Home Equity Loans

Dream of the possibilities with a Home Equity Loan.

If you’re a homeowner and have built equity in your home, you may be able to borrow up to 90% of the appraised value of your home (less your existing mortgage) . . . even if you’ve only been in your home for a short time! Home equity loans generally carry lower interest rates than other loans, such as personal loans and credit cards. Unlike interest paid on other loans, this interest may be tax deductible. Consult your tax advisor to be sure.

Use a home equity loan to pay for repairs, renovations, help with the cost of education, and more. While we also offer a Home Equity Line of Credit (HELOC), if you prefer the security of a fixed rate loan with a fixed term for repayment, you may prefer a Home Equity Loan.

Have more questions about our Home Equity Loan? Give us a call at 317.352.0455 or stop in one of our branches to speak with one of our loan officers.

*Subject to credit approval. Some restrictions may apply. Available on our Home Equity loan. The minimum loan
amount for the Home Equity loan product is $5,000.00. For example, the estimated monthly principal and interest
payment on a $50,000.00 fixed rate Home Equity loan financed for 5 years at 3.24% APR would be $903.83.
Rate effective 07.14.2017 is lowest rate available based on loan term, credit score, and property value and
is subject to change. Property insurance required.

Home Equity Loans & Lines of Credit Rates

Rates Current as of: 11/16/2017
DescriptionTerm DescriptionAPR* as low asPayment Example
Up to 80% LTV15 years4.24%Payment Example
Up to 90% LTV15 years5.49%Payment Example
Up to 80% LTV10 years3.74%Payment Example
Up to 90% LTV10 years4.99%Payment Example
Up to 80% LTV5 years3.24%Payment Example
Up to 90% LTV5 years4.49%Payment Example
Home Equity Line of CreditSee loan officer for details.See loan officer for current rates.Payment Example

*Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.

Please visit the Home Equity/HELOC page for more information.

To learn more about our Home Equity Loans and HELOC loans, click here.

NMLS Registry Information for Harvester Financial Credit Union Mortgage Loan Originators:
NMLS # 433915 Harvester Financial Credit Union
NMLS # 657937 Joy Cooper
NMLS # 657939 Mary Stephens
NMLS # 657940 Sheryl Wood
NMLS # 1062075 Teresa Ervin
NMLS # 657938 Michelle Mason

7020 Brookville Road
Indianapolis, IN 46239
PH: 317.352.0455
TF: 800.326.2279
FAX: 317.351.2351

Monday, Tuesday & Thursday:
8:00 a.m. – 5:00 p.m.

9:00 a.m. – 5:00 p.m.

8:00 a.m. – 5:30 p.m.

1220 Miller Avenue
Shelbyville, IN 46176
PH: 317.392.0811
TF: 800.366.5725
FAX: 317.392.0870

Monday, Tuesday & Thursday:
8:30 a.m. – 5:00 p.m.

9:00 a.m. – 5:00 p.m.

8:30 a.m. – 6:30 p.m.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
We are an Equal Housing Lender. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Harvester Financial Credit Union respects your privacy. Harvester Financial Credit Union is not responsible for, the product, service, or overall website content available at a third-party site.

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